Dear Doc, Someone said you had the "nice" letter to Cap 1 for courtesy adjustment on 2 year old late pays. Can you post here please? Thanx - a - bunch,
Date Regarding: Account No. XXXXX Sears NAAC ATTN : Credit Bureau Desk 13200 Smith Road Middlebrook Heights, OH 44130 To Whom It May Concern: I am writing a letter about my experience with Sears that is a mixture of a grateful "thank-you" and a pressing request concerning a Sears Charge Card tradeline in my credit files that I would like to have revised. I received the Sears card in [YEAR], several years before I [CHAOTIC LIFE EVENT -- A MOVE, A BIRTH, MEDICAL SICKNESS, ETC.]. Later when I experienced the [CHAOTIC LIFE EVENT] and while working on [WORK PROJECT], I became disorganized with respect to, as you saw, making timely payments with Sears. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with Sears since that time. To be honest, that year was a "wake-up" call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which -- excluding the Sears card late entry -- are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless. We are about to shop for a mortgage, and it has come to my attention that the late notations from Sears may preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with Sears, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service repesentative suggested that I write you for a "goodwill adjustment." I sincerely hope that there is redemption at Sears, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter. Very hopefully yours, Name Address City, STATE ZIP
Way to go, javan! Here are a few more success posts regarding the goodwill adjustment letter. My own success with Sears, Chase, Citibank, and Radio Shack: -- http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=143754&#post143754 Others's successes: -- http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=59322#post59322 -- http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=135007#post135007 -- http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=138264#post138264 -- http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=146349#post146349 -- http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=177757#post177757 Good luck! Doc
